Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,610Cash toward the purchase price.
Closing costs + prepaids$13,627Not just lender fees.
Before credits & paid funds$37,236The complete starting cash picture.
Estimated remaining funds due at closing
$37,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,609.62
Your down payment$23,609.62
Closing costs + prepaids$13,626.81
Total buyer cash needed$37,236.44
Remaining funds due$37,236.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,365.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,091.25
Prepaid interest, first (27 days)$1,945.56
Fees + prepaids$13,626.81
Your down payment is the seller’s equity. You take over the $412,890 balance, so the rest of the $436,500 price is paid at closing. A second mortgage can cover part of it. $37,236.44 is due at closing. Uses and sources reconcile at $450,126.81 each. Not a Closing Disclosure.